Officially, loans overdue will be blacklisted by the bank after more than three months, that is, 90 days, and will be blacklisted by the bank after six overdue days. The consequences of entering the blacklist are not described much. But if the bank staff fails to collect the money after loans overdue, it can only be solved through prosecution. If the borrower has the ability to pay back the money, it is easy to get into the list of old lai, and you will have a bad label in the future.

Besides, after passing the court decision, you have to pay not only the bank's arrears, but also the lawyer's fees after the bank sued. The bank will sue, and loans overdue 1 day will definitely not start. Generally, you will sue for two or three times of dunning, and this process may be about 180 days. Of course, it will be decided according to the specific amount of arrears, but it will not exceed two years after the due date. Once everyone's overdue time reaches 6 months, the bank may sue, so everyone should try to shorten the overdue time.

I. Repayment Date

1. Although it is said that the repayment date has passed, generally after the repayment date, a bank customer service will contact you. Friendly reminder, as long as it is repaid within 3 days. But if ignored, it will cause overdue. In the personal credit record of the central bank, everyone's loan repayment will be recorded truthfully, and it will be marked as 1 within 30 days of overdue, and the number will increase by 1 every 30 days of overdue. If it is overdue for 180 days, the overdue record in the credit record will be 6, that is to say, the longer the overdue time, the greater the quantity and the more serious the consequences.

2. In terms of loan application conditions, the Notice requires that those who apply for housing provident fund loans should meet the conditions that the applicant has paid the housing provident fund 12 months continuously and normally, and the account status is normal, and the recent payment is not more than 4 months (except for high-level talents and retired soldiers for less than 3 years). Prior to this, you can apply for provident fund loans if you have paid the housing provident fund for more than 6 months. Regarding the determination of repayment ability, after the policy adjustment, when examining and approving housing provident fund loans, the monthly repayment amount of housing provident fund loans calculated according to the actual repayment period and the selected repayment method shall not exceed 50% of the family's monthly income. The standard line defined by the original policy is no more than 60% of the family's monthly income.